That's up to the business owner, but considering the utter destruction its done to the world I would say most businesses should not extend any credit.
The nice thing about Bitcoin is it's a transaction layer and people can build services on top of it. Someone could start a guarantor business that other businesses pay to verify creditworthiness. They do that already now, the difference being that it's a completely dark system controlled by people with no incentive to fairly or accurately represent your worthiness.
